Have you ever loved that sweater you bought for your sister so much that it not-so-accidentally ended up in your own closet? Have you found yourself buying two necklaces—one for your mother, one for yourself? (Don't worry, we're guilty as charged). And we're not alone: recent surveys show that 85% of women spend on themselves during the holiday season. Another 75% of us have purchased two of the same item, one as a gift and the other, inevitably, for ourselves.

Between wrapping presents and sending out holiday cards, we deserve a little treat. This may mean great things for our wardrobe and style quotient, but for our bank accounts? Not so much. Online fashion site Shop It To Me has come up with a few tips to keep your wallet fat and your shopping bags, even fatter.

1. Check online-only retailers first: the discounts are typically deeper, with an average of 45% off online compared to 41% in department stores.

2. Follow @shopittome on Twitter to get the latest news on sales and exclusive offers. The faster you jump onto the sales, the less likely you are to have that dress fly out of your virtual shopping bag and into someone else's.

3. Sign up for Shop It To Me's email service. You'll get notified whenever your favorite brands and retailers feature markdowns and discounts.

Find more hints on saving while you spend on Shop It To Me's blog.